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Getting Going: The Student-Debt Playbook –

Are you or your adult children carrying a big load of student debt? Your family may well feel like the federal deficit is sitting on your shoulders.

Total student debt has climbed past $1 trillion, but that’s only part of the story. Among 2010 graduates who took out loans, the average debt at graduation was $25,250, an amount that can feel daunting even if you can afford to pay.

[21getgo2] Rafael Ricoy

In the last Getting Going column, we outlined ways to use debt judiciously. But what options are there for people already saddled with it?

Take heart. Experts say there are a number of ways to reduce, rework or even get rid of your federal loans, depending on your circumstances and what kind of work you’re willing to do. Here are some ideas.

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